Poll: Fixed or Adjustable Rates for First Time Buyers?

With volatile mortgage rates what is the best loan option for a first time home buyer couple starting out? Short term option with a 5/1 ARM so they can better afford their first mortgage and refinance down the road and/or move? Or should they lock in today's low fixed rates with a 30-year or even a 15-year option? Please comment below with advice. Home buyers would love your professional opinion.

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